Chubb vs 
Relm Insurance: How Do They Compare for General Liability Insurance?
Relm Insurance's general liability is sold through brokers, with cannabis, biotech and aerospace companies highlighted. Chubb's package products that include GL target small businesses with up to $30 million in revenue, with pollution cover in GL Plus.
Chubb is built for mainstream small businesses up to $30 million in revenue, bundling general liability into a package or GL Plus; Relm targets regulated, high-risk fields such as cannabis, psychedelic therapeutics and aerospace and defense, and you reach it only through a broker. 1,5
What Are the Key Differences Between Chubb and Relm Insurance General Liability Insurance?
Mainstream Classes vs Hard-to-Place Industries
Chubb writes general liability for small businesses across more than 500 classes, including technology, healthcare, retail and manufacturing. 1 Relm aims at companies many insurers avoid: cannabis, biotech, psychedelic therapeutics, aerospace and defense, and technology. 5 Choose Chubb if you run an ordinary office, shop or plant under $30 million in revenue; choose Relm if your industry is regulated or high-risk and has struggled to find coverage.
Bundled Package vs Broker-Placed Policy
With Chubb you don't buy general liability alone. It comes inside a BOP, Benchmarq or Customarq package, or in GL Plus with pollution coverage, and you can request a quote online or through an appointed agent. 1 2 Relm sells general liability only through insurance brokers and shows no direct online quote, so you'll need a broker to get a price. 5
Pollution Add-Ons vs Standard Exclusions
Chubb's GL Plus adds products and premises pollution liability, which matters if you handle materials that could leak or contaminate. 2 Relm's page lists what its casualty coverage leaves out: employee injuries, professional errors, and intentional, criminal or illegal acts. 5
What Should You Confirm in Chubb and Relm Insurance General Liability Insurance Quotes?
- Ask your broker which insurer will issue a Relm policy; Relm's page doesn't name one. 5
- Ask how Relm applies its illegal-activities exclusion to a cannabis or psychedelics business. 5
- Get the per-occurrence and aggregate limits in writing from both; neither publishes them. 1
- Ask Chubb which package fits your class and whether you need GL Plus pollution coverage. 2
Chubb vs Relm Insurance General Liability Insurance Compared
Chubb vs Relm Insurance: General Liability Insurance: documented features by provider
| Criteria | Chubb General Liability Insurance | Relm General Liability Insurance |
|---|---|---|
| Who It’s For | Chubb's package products that include general liability target small businesses with up to $30 million in revenue across more than 500 business classes, including technology, healthcare, retail and manufacturing. 1Company-reported. BOP eligibility criteria; restates the fact for the general-liability component of the package. | Relm says general liability is often required by leases and by enterprise or government contracts. It highlights companies in high-growth, high-risk or heavily regulated fields such as cannabis, biotech, psychedelic therapeutics, aerospace and defense, and technology. 5Company-reported. Casualty page framing; not a guarantee of eligibility for a particular company. |
| How to Apply | You can request a quote online for a Chubb package that includes general liability, or an appointed independent agent or broker can apply for a Chubb Appointment to place the policy. 1Company-reported. BOP product page call-to-action for business owners and for agents and brokers. | Relm sells general liability coverage through insurance brokers; its reviewed pages do not describe a direct online quote. 5Company-reported. Casualty page framing; consistent with Relm's broader broker-distribution model. |
| Coverage Features | Chubb's GL Plus product combines commercial general liability with affirmative products pollution liability and scalable premises pollution liability, and can be paired with umbrella coverage. 2Company-reported. Environmental Insurance product page describing GL Plus; targeted at businesses with pollution exposure alongside standard GL exposure. Within Chubb's BOP, general liability is bundled with property coverage and optional enhancements such as employment practices liability, foreign liability, equipment breakdown and crime coverage. 1Company-reported. BOP coverage-highlights list; enhancement availability depends on the issued policy and state. | Relm says GLI covers third-party bodily injury (medical expenses, legal defense, damages), third-party property damage, and personal and advertising injury claims such as libel, slander, false arrest, malicious prosecution, copyright infringement and privacy violations. 5Company-reported. Casualty page 'What is General Liability Insurance?' section; the issued policy and declarations control. Relm says casualty coverage generally excludes employee injuries (covered by workers' compensation), professional errors (covered by E&O), intentional or criminal acts by directors or employees, and damages from illegal activities. 5Company-reported. Casualty page 'What Does Casualty Insurance Not Cover?' section; applies across Relm's casualty lines, not GLI-specific exclusions only. |
| Role in This Line | Chubb does not sell general liability as a standalone monoline product on its public pages. It is packaged inside Chubb's BOP, Benchmarq and Customarq commercial package policies, or combined with pollution coverage in the GL Plus product. 1,4Company-reported. BOP and technology-industry pages; a business seeking liability-only coverage should confirm whether Chubb will quote it outside a package. | Relm markets General Liability Insurance (GLI) as a casualty line brokers can place for clients, grouped alongside its product and excess liability products on the same casualty page. 5Company-reported. Relm line-of-business page (Relm sells through brokers); not a statement identifying the issuing insurer for a given placement. |
